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Active

Active·60 days on market

2500 Harbour Cove Drive

Fort Pierce, FL 34949

$599,000$337/sqftEst. $3,054/moMLS# 2149145

Beds

Baths

1,780

Sq Ft

1991

Built

Garage

Pool

About this home

Fort Pierce

Welcome to 2500 Harbour Cove Dr, a waterfront end-unit townhouse on Hutchinson Island offering 3 bedrooms, 2.5 baths, and 1,780 sqft of living space. This light filled residence features an open concept layout with generous living and dining areas, water views from both levels, and a spacious back deck overlooking the canal. Enjoy private deck access with a rear walkway leading to your 30' boat slip with a 10,000lb boat lift, an excellent setup for boating and waterfront living. The community offers private beach access approximately 1/2 mile away, plus convenient kayak entry and takeout access for enjoying the island lifestyle. Pepper Park Beachside, offering pickleball courts, beach access, and recreation, is just 1 mile away. Recent updates include a 2021 water heater and 2020 HVAC system. The property also includes a single-car garage for parking and storage. Near Fort Pierce Inlet State Park, dining, and amenities, this townhome is ideal as a primary residence or seasonal retreat!

Cost to own

Mortgage calculator

Home Price

$599,000

Down Payment: 20%

$119,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,054

Principal & Interest: $3,054

Insurance (est.): $399

Estimated Total Monthly

$3,453

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$3,054

HOAbilled quarterly$385

Estimated total, before insurance$3,439/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1991)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely sewer · Public water · FT. PIERCE UTILITIES AUTHORITY service area

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,792 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Jun 6, 2026Listed$599,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$599,000

Price / Sq Ft$337

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,780

Year Built1991

TypeResidential

Sub-TypeTownhouse

StyleTraditional

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontYes

School Information

ElementaryOther

MiddleOther

HighOther

Community Information

Address2500 Harbour Cove Drive, Fort Pierce, FL 34949

Area993-Out Of Area-South

SubdivisionMetes & Bounds

CityFort Pierce

CountySt. Lucie

StateFL

Zip Code34949

Parcel Number1425-701-0064-320-5

ZoningResidential

Amenities

AmenitiesPool, Other, Gated, Management - Off Site

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingOther, Attached, Garage, Guest

ViewCanal, Water

Waterfront TypeCanal Front, Navigable Water

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s), Other

AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile

# of Stories2

LevelsTwo

LaundryIn Unit, Upper Level